Treat it as theft or unjust enrichment. After a person dies, inheritance begins, and his heirs acquire the ownership of the property. The inheritance must be inherited by the heir before it can be disposed of. The money gained or reduced by using the bank card shall be returned by the user. Those who have a will inherit according to the will, and those who have no will inherit according to the law. If the purpose of obtaining ownership is malicious, the bank card consumption or ownership of the deceased will be treated as theft or unjust enrichment according to the specific circumstances.